Elvira Kurbanova

Generating and managing client leads.
Maintaining up-to-date knowledge of local property laws and regulations.
Building and maintaining client relationships through effective communication.

Results: During my tenure, I increased the number of active partners and enhanced brand visibility by opening over 120 retail locations.
Responsibilities:
Building and developing relationships and strategic management of partners to expand market presence.
Negotiating contracts with potential company partners to achieve optimal agreements for both parties.
Maintaining current partners through needs analysis and effective communication.
Coordinating the work to prepare the site from the search phase to the signing of the acceptance certificate and the opening of retail locations.

Results: Increased sales volume by 20% during my tenure through effective communication and negotiations.
Responsibilities:
Managing sales in federal networks to achieve commercial targets.
Ensuring and monitoring the execution of the sales volume and profitability plan in the consumer lending sector.
Managing profitability metrics.
Training partner employees.
Communicating with decision-makers to establish partnership relationships.
Interacting with partner banks and bank agents.
Working in CRM.

Results: Significantly expanded the lending market segment by attracting over 50 active local partners, increasing profit and average transaction value by 45%.
Responsibilities:
Developing the business position by addressing strategic tasks and expanding the partner base.
Managing a team of credit specialists in the federal networks of M.Video and Eldorado, including recruitment, training, and monitoring key performance indicators.
Searching for and attracting new retail chains for collaboration, including negotiations with decision-makers.
Supporting existing partners, including training.
Ensuring and monitoring the execution of the sales volume and profitability plan in the consumer lending sector.
Building relationships with partner banks, including negotiating commercial terms.
Working in CRM.

Results: During my tenure, I managed to increase sales growth by 12 million rubles among active partners, expanded the lending segment, and increased the number of local partners.
Responsibilities:
Attracting new retail companies through decision-makers and developing existing partners.
Developing and agreeing on financial models.
Organizing and supporting the opening of credit zones in stores, including staff training.
Ensuring and monitoring the execution of the sales volume and profitability plan in the consumer lending sector.
Developing relationships with bank partners: analyzing results and further organizing the workflow.

Credit Specialist for Auto Lending.
Working at an official Hyundai dealership.
Consulting clients on existing credit options and selecting the optimal one.
Assessing the risk of loan default and assigning the borrower an appropriate class or rating.
Submitting the application package to the bank's security service and economic department.
Preparing documentation for contract signing.

Bank-Client Accountant
Work in an outsourcing company (10 entities)
Management of account 51: payments to the budget, credit institutions, salary transfers, business trip expenses, etc.
Preparation of financial documents for opening accounts in credit institutions and for corporate lending
Preparation of payment orders and submission to the bank via the “Bank-Client” system
Recording transactions on settlement accounts in 1C: Enterprise 8.2
Company expense planning
Transfer of taxes and fees to federal, regional, and local budgets; payment of insurance contributions to state extra-budgetary social funds
Correspondence with banks to obtain necessary certificates, letters, and confirmations
Entering bank statements into 1C: Enterprise 8.2
(Banks worked with: Uralsib, Kuban Credit, Express-Volga, Absolut Bank, Krayinvestbank)